It's been such a long and winding road, with literally hours spent (driving of course) talking to countless agencies, getting a different story from everyone. Even the awesome broker who was so helpful in getting me my policy can do nothing when it comes to MediCal. His only advice was to try to make an appointment to see someone in person.
So I called back and did make an appointment for next Thursday. But as I had feared, all of this stems from that cryptic letter I got last December about B's health care now including a $2800 "share of costs" - yes, I am now required to come up with $2800 every month before the government will kick in anything towards B's coverage. And this is supposed to be healthcare for low income people? Huh?
So basically I have to go to the office next week and battle my case - say my income has dropped significantly (it has), and hope they take my word for it (I will draw up a new profit & loss statement and bring my last few bank statements, which show almost no income at all).
My only other alternative is accepting this huge share of costs, which is like having a $36,000 yearly deductible, or paying out of pocket for really lousy policies for both B & T which would run me about $400 a month and hardly cover anything, with huge deductibles, co-pays, etc - basically leaving me extremely vulnerable in case of either of them having an emergency or illness (and what are the odds of two little boys having an illness or accident? Pretty damned good!).
So, my plea to MediCal simply has to work. It just has to. I mean, for Christ's sake, if that program isn't for broke single mothers of two or more kids then who the hell is it for??